Delinquency rates on student loans made in the past two years stand at 15 percent as recent graduates struggle to find jobs, Fair Isaac Corp. said.

The rate for 2010 through 2012 compares with 12.4 percent for loans made from 2005 to 2007, Fair Isaac’s FICO Labs said Tuesday.

Average student-loan debt last year rose to $27,253 from $17,233 in 2005, and most bank managers surveyed expect delinquencies to worsen in six months, FICO said.

“This situation is simply unsustainable and we’re already suffering the consequences,” said Andrew Jennings, a Fair Issac analyst.

Student loans are the largest source of unsecured consumer debt in the U.S., the Consumer Financial Protection Bureau said.